Whoosh
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Posts
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Thanks, I am sort of expecting the SAR request response but since they have apparently used all of this information to come to the decision then I don't feel I should have to make one for it, it isn't unreasonable to expect them to at least let me have sight of the evidence they have claimed to use to make the decision as it will affect whether I choose to proceed with the claim. At least that is my opinion, I am sure theirs will differ. Or this is a generic response with no looking at evidence and no more than a stalling tactic.... I know which one I think it is
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Hi there, received a no from Barclaycard, this is my draft reply any thoughts Ta for looking
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annie, my housemate has been in a similar situation with a claims company but after several rounds of letter tennis they have now accepted (and put in writing) that the refund she received was not on an account she gave them permission to work on. All I can advise is to write back to them asking for a copy of the document you signed giving them permission to work on that specific account. check all numbers they send carefully, so far as I can see if they don't have that signed paperwork then they don't get any money. keep it all in writing too - just refuse to take the calls
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After my successful claim with Tescos - http://www.consumeractiongroup.co.uk/forum/showthread.php?319622-Help-please-PPI-claim-and-tescos-***-SUCCESS-*** admittedly set against the arrears, but that is what I expected and knew would happen I then found some paperwork indicating PPI on threel Barclay loans from 2001-2003 so sent in a questionaire for each one back in mid June. today's post contained a letter upholding my claim, and included a fourth loan I knew nothing about. total refund of £4.2k and into my account since i still bank with Barclays. I was expecting around the £2k mark (very roughly caclulated using what I had to hand) so more than happy with that result. Thanks again to everyone on here who has helped me out and donation to the site on its way
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Help please - PPI claim and tescos *** SUCCESS ***
Whoosh replied to Whoosh's topic in Payment Protection Insurance (PPI)
Received a statement today showing the ppi adjustment on the loan so could this be updated to success please & thank you. Thanks again for your help -
I had a Tescoloan made via an internet application and was successful in claiming back the ppi so it is definitely worth it My reasons were : Pre-ticked box and when untick it was not approved & The loan was over 7 years but I believe the policy only covered me for 5 years and this was not made clear. I never had a policy doc so could only put this as I believed it to be the case not definite as I didn't actually SAR them prior to doing it. They offered me a figure within £75 of what I claimed so I must have been close
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Madison10 & Barclays PPI claim
Whoosh replied to madison10's topic in Payment Protection Insurance (PPI)
That letter you posted appears to be a standard computer generated letter - my housemate recently received an identical one in response to one of her claims. In her case she had simply sent a fishing letter to them having discovered ppi, and successfully reclaimed it on another loan. Her reasons were just that she never asked for it and so if it was present it was without her knowledge. I have three claims in with barclays at the moment and am due a response imminently, so will see if I get the same reply -
Hassle? - a friend used one against my advice and all the so-called company did was send her a copy of the standard questionairre to fill in. She was instructed to send it back to them and they forwarded it on to the loan company. So for the cost of 2 stamps they make 30% of any refund. You still do all the work and they are no quicker than doing it yourself. If you are desperate to give away your money then I can reccomend 'Whoosh PPI reclaim ltd'
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Allied Int did this to me last year, so sent it on to the original creditor as outlined above - for my purposes timescale still ran from the original request, and I would maintain that in your case while sending it to their client. Account is in dispute so remind them they should cease activity Did they send the payment back? - if not make a fuss as they may try and claim it as a payment to the debt. Make it clear that it isn't.
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my house mate is in a similar position with one of these companies atm - before she realised how simple it was to do herself and as part of a DMP she used this company to look at ppi on the loans within the DMP. None of these had ppi and she knows that for a fact, however in the process the original lender paid back on a settled loan they claims company were not asked to look at. She sent them a lovely letter informing them that as she had not asked them to investigate anything other than the three accounts specified on the form they sent to her she viewed their efforts on this successful one as a kind and generous act on their part but did not feel obliged to pay them since she had not instructed them to carry the workout. It's all quiet right now, but no doubt it will start again at some point
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umm yeah, and no doubt he filled in all the paerwork himself too. From what I can work out these cheeky gits send you a fos questionairre and get you to send it back to the oc, so for the cost of a stamp they earn 30% of the claim - nice work if you can get it...
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Debt collectors calling - advice appreciated
Whoosh replied to Diesel1's topic in Debt Collection Agencies
next time they call just tell them that before you can continue the conversation you need to take them through security. Ask them anything you fancy - when I was being called I liked to ask them their porn star name I have decided that these phone calls are just a free form of entertainment -
I have done exactly this with a Tesco Loan, they have upheld my claim and stated that the repayment would be paid onto the outstanding balance.Mine is still owned by Tesco and that was exactly what I was hoping them to decide/do. Just waiting for them to actually do it now. I would download the FOS questionairre and if you have the payments then use the spreadsheet on here to tell them exactly how much you expect themto pay back - mine was within £75 of the amount I claimed and to be honest I couldn't see the point of arguing over that so accepted it. there are far more knowledgable people than me here who I am sure can help if you need it.
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Help please - PPI claim and tescos *** SUCCESS ***
Whoosh replied to Whoosh's topic in Payment Protection Insurance (PPI)
I'm happy Will let you know once it is sorted -
Help please - PPI claim and tescos *** SUCCESS ***
Whoosh replied to Whoosh's topic in Payment Protection Insurance (PPI)
thanks that's pretty much what I was thinking with the difference - it is a small part of the deal really and I didn't quite see the point of arguing but always worth seeing what those more experienced think. That also makes sense on the premiums - as might be obvious I'm not that good with this financial stuff and get easily confused
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